Bronze Elite + PCP Saver Plus | with Atrium Health
Starting at
$501
/month before subsidy
Bronze Elite + PCP Saver Plus | with Atrium Health is a 2026 Expanded_bronze HMO health insurance plan from Oscar Health Plan of North Carolina, Inc, sold on the ACA Marketplace in North Carolina under plan ID 69803NC0010062. The monthly premium starts at $501 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $0, and the individual out-of-pocket maximum is $10,600 ($21,200 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 69803NC0010062
- Plan year
- 2026
- State
- North Carolina
- Metal level
- Expanded_bronze
- Plan type
- HMO
- HSA-eligible
- Yes
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$10,600
Family: $21,200
Coinsurance
50%
You pay after deductible
Network Type
HMO
NCN001
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$4,100
your estimated cost
- Deductible
- $0
- Copays
- $4,100
- Coinsurance
- $0
Managing type 2 diabetes
A year of routine care
$4,800
your estimated cost
- Deductible
- $4,200
- Copays
- $600
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,200
your estimated cost
- Deductible
- $0
- Copays
- $2,100
- Coinsurance
- $100
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Review the plan details above to determine if this plan fits your healthcare needs and budget.
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,384/month
Annual Premium
$6,012
OOP Maximum
$10,600
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $10,600 total. Then insurance covers everything else for the year.
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Frequently asked questions about Bronze Elite + PCP Saver Plus | with Atrium Health
How much does Bronze Elite + PCP Saver Plus | with Atrium Health cost per month?
Bronze Elite + PCP Saver Plus | with Atrium Health from Oscar Health Plan of North Carolina, Inc starts at $501 per month before any subsidy in North Carolina. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for Bronze Elite + PCP Saver Plus | with Atrium Health?
The individual medical deductible is $0. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for Bronze Elite + PCP Saver Plus | with Atrium Health?
The most you would pay in a year for covered in-network care is $10,600 for an individual and $21,200 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Bronze Elite + PCP Saver Plus | with Atrium Health HSA-eligible?
Yes. Bronze Elite + PCP Saver Plus | with Atrium Health is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.
What type of network does Bronze Elite + PCP Saver Plus | with Atrium Health use?
Bronze Elite + PCP Saver Plus | with Atrium Health is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.